Aambal Magazine Issue 1 by Aambal Magazine

EDITORIAL õí‚è‹! FEBRUARY - MARCH 2009 ISSUE 01

ñ£C - ðƒ°Q 2009 Þî› 01 ÝCKò˜ CH ÝCKò˜ °¿ îIöóC º¼è¡ ó°ó£x Fhð¡ ýKê¡ Jonathan Lee Derryck õ®õ¬ñŠ¹ Ý‹ð™ è¬ôòè‹ ó£«ü‰Fó¡ Ü¡¹ Þ¬íòˆî÷ àîM Ý‹ð™ è¬ôòè‹ ªî£¬ô«ðC 0845 643 5882

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AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

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226 A«ô£e†ì˜. ï£ƒèœ Aö‚° èìŸè¬ó iF¬òˆ «î˜‰ªî´ˆ«î£‹. è‡µ‚° M¼‰î£è èì½‹ ðô è£†CèÀ‹ àì¡ õ‰îù. F¼Š«ð£Ï˜, ñè£ðL¹ó‹, ê¶óƒèŠð†ìí‹, ñó‚è£í‹, ð£‡®„«êK. NH45A iFJ™ ÜKò£ƒ°Šð‹, èìÖ˜, ÝôŠð£‚è‹ õN«ò õ‰¶ «ê˜‰î¶ Cî‹ðó‹. óJ™ õêF à‡ªì¡ø£½‹ ªê£Ÿð‹î£¡. èìÖ˜ õN«ò ñJô£´¶¬ø ªê™½‹ óJ™ ð£¬îJ™ Cî‹ðó‹ G¬ôòˆF™ ÞøƒA õì«ñŸ«è å¡ø¬ó A«ô£e†ì˜ ªê™ô «õ‡´‹. ªê¡¬ù «è£ò‹«ð´ «ð¼‰¶ G¬ôòˆFL¼‰¶ Ü¬ó ñE‚° å¼ «ð¼‰¶ õêF àœ÷¶. Cî‹ðó‹... ïèK¡ ï´«õ Ü¬ñ‰¶œ÷¶ F™¬ôˆ F¼‚«è£J™. 51 ã‚è˜ ðóŠð÷¾ì¡ Iè‚ è‹dóñ£è‚ è£†CòO‚Aø¶. ªõ° ÉóˆFL¼‰«î è‡µ‚°ˆ ªîKA¡øù ï¡° àò˜‰î ï£¡° «è£¹óƒèœ. åšªõ£¼ «è£¹óº‹ 135 Ü® àòóˆF™ Ü¬ñ‰¶œ÷«î£´ 13 ªêŠ¹ à„C‚èôêƒè¬÷»‹ ªè£‡®¼‚A¡øù. ÜFè£¬ô ªõO„êˆF™ Üöè£è Hóñ£‡ìñ£èˆ ªîKAø¶ «è£M™. ¸¬ö¾ õ£J™ 40 Ü® àòóˆF™ IèŠªðKî£è Ü¬ñ‰¶œ÷¶. ²ŸÁŠ Hóè£ó„ ²õ˜ 30 Ü® àòóˆF™ Ü¬ñ‚èŠð†´œ÷¶. ªðKò «è£¹óº‹ õ£J½«ñ õ‰îõ¬ó Mò‚è ¬õˆ¶ M´A¡øù. Ü‰î IèŠªðKò èîM«ô«ò å¼ CPò èî¾. Üî¡ õN«ò b†Cî˜èœ õ‰¶ªè£‡«ì Þ¼‚Aø£˜èœ. è£¬ôˆ ªî¡ø½‹ ð‚FŠð£ì™èÀ‹ ñù¬î â¡ù«õ£ ªêŒA¡øù. Ü¡ùñò Hóè£ó‹, Hó£íñò Hóè£ó‹, ñ«ù£ñò Hóè£ó‹, M…ë£ùñò Hóè£ó‹, Üù‰îñò Hóè£ó‹ âù 5 Hóè£óƒèœ Þƒ°œ÷ù.

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Cî‹ðó‹ «è£JL½‹ ²ŸÁŠ¹øƒèO½‹ ãó£÷ñ£ù b˜ˆîƒèœ àœ÷ù. ÞõŸP™ ðô¾‹ CõŠªð¼¬ñ à¬ìò¶.

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ðóñ£ù‰î Ãð‹ CŸø‹ðôˆ¶‚° Ü¼A™ àœ÷¶. êˆF õ®õ‹ ªð£¼‰Fò¶.

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AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

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‘ð£K¬ì ä‰î£ŒŠ ðó‰î£Œ «ð£ŸP! cK¬ì ï£¡è£Œˆ Fè›‰î£Œ «ð£ŸP! bJ¬ì Í¡ø£Œˆ Fè›‰î£Œ «ð£ŸP! õOJ¬ì Þó‡ì£Œ ñA›‰î£Œ «ð£ŸP! ªõOJ¬ì å¡ø£Œ M¬÷‰î£Œ «ð£ŸP!’ Þ¶ ñ£E‚èõ£êèK¡ F¼ Üèõ™... Üõ˜ ÃPòð®«ò ï‹ ÌIò£ù¶ êŠî‹, vðKê‹, Ïð‹, óê‹, ï£Ÿø‹ â¡ø ä‰¶ °íƒè¬÷Š ªðŸP¼‚Aø¶. có£ù¶ êŠî‹, vðKê‹, Ïð‹, óê‹ â¡ø ï£¡° °íƒè¬÷ à¬ìò¶. bò£ù¶ êŠî‹, vðKê‹, Ïð‹ â¡ø Í¡Á °íƒè¬÷‚ ªè£‡ì¶. õOªò¡Aø è£Ÿø£ù¶ êŠî‹, vðKê‹ ÝAò Þ¼ °íƒè÷£™ Ýù¶. Ü‡ìªõO Ýè£êñ£ù¶ êŠîƒè÷£™ ñ†´«ñ G¬ø‰î å«ó °í‹ à¬ìò¶. Ü‰î Ü‡ìªõOJ¡ êŠî‹ Þ‰î Ýìôóê¡ ïìó£üK¡ Ý†ìˆî£™ ñ†´«ñ G¬ø‰¶ è£íŠ ðÁø¶. ð…êÌîƒèO™ Ýè£ò‹ âùŠð´‹ Cî‹ðó‹ «þˆóˆF™ ïìó£ü˜ Ýìôóêù£è‚ è£íŠðÁø£˜. Þõó¶ Ý†ìˆ¬î‚ è£í õ‰î Mwµ¾‹ Þƒ«è Gó‰îó‚ «è£J™ ªè£‡´ Fù‹ Fù‹ Ýù‰îˆF™ F¬÷‚Aø£˜. ªð£¡ù‹ðô«ñ ïìó£üŠ ªð¼ñ£¡ ÜH«ûè‹ ªè£‡ ì¼À‹ Þì‹. ÞŠªð£¡ù‹ðôˆF¡ ºè†¬ì ºî ô£‹ ÝFˆî «ê£ö¡ ªè£ƒ°ï£†®L¼‰¶ ªè£‡´õ‰î àò˜‰î ñ£ŸÁ¬ìò ªð£¡ù£™ «õŒ‰î£¡ â¡Aø£˜ «ê‚Aö£˜. Cø‰î Cõð‚îÂ‹ ð¬ìˆî¬ôõÂ ñ£ù ñíM™ Ãˆîù£ù è£Oƒèó£ò¡ â¡ðõ¡ ªð£¡ «õŒ‰î£¡ â¡Á F™¬ô‚«è£J™ è™ªõ†´Š ð£ìªô£¡Á ÃÁAø¶. ‘«ðó‹ðô‹’ - Þ¶ «îõê¬ð âùŠðÁø¶. M‚Aóñ «ê£ö¡ è£ôˆF™ ñíM™ Ãˆîù£ù è£Oƒèó£ò¡ Þ„ê¬ð¬ò„ ªê‹Hù£™ «õŒ‰î£¡ â¡Á F™¬ô‚«è£J™ ð£ìô£™ ÜPA«ø£‹. HŸè£ôˆF™ ÞŠ«ðó‹ðôˆFŸ° ªð£¡ «õŒ‰îõ¡ Í¡ø£‹ °«ô£ˆ¶ƒè„ «ê£ö¡.

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F¼„CˆFó‚Ãì‹ 108 ¬õíõˆ Fšò «îêƒèO™ å¡Á Þ„«ê£ö ï£†´ˆ F¼ŠðF. Þˆîô‹ Cî‹ðó‹ ïìó£ü˜ «è£JL«ô«ò Þ¼Šð¶ Ã´î™ ªð¼¬ñ. ïìó£ü ªð¼ñ£Q¡ î£‡ìõ ïìùˆ¬îŠ ªð¼ñ£À‹ óCˆîî£è õóô£Á ªê£™Aø¶. Íôõ˜ ÿ«è£M‰îó£üŠ ªð¼ñ£œ Aö‚° «ï£‚A «ð£è êòùˆF™ Ü¼œ ð£L‚Aø£˜. iŸP¼‰î «è£ôˆF™ ð£˜ˆîê£óF»‹, àðò ï£„Cò£¼ì¡ è£†C î¼‹ CˆFó‚Ãìˆ¶œ÷£Â‹ Þ¼ àŸêõ˜è÷£è àœ÷£˜èœ. î£ò£˜ ¹‡ìgèõ™L»‹ àœ÷£˜. «õµ«è£ð£ô˜, òFó£ü˜, «ò£è ïóC‹ñ˜, Ãóˆî£›õ£˜, Ý…ê«ïò˜ ê‰ïFèœ àœ÷ù. ÞˆîôˆF™ °ô«êèó Ý›õ£¼‹, F¼ñƒ¬è Ý›õ£¼‹ ñƒè÷£ê£úù‹ ªêŒ¶œ÷ù˜. F™¬ô Íõ£Jóõ˜, ð£EQ, ðî…êL, Mò£‚óð£î˜ ÝA«ò£˜ õNŠð†ì îô‹ Þ¶.

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AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

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AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

âù âPðˆîKì«ñ Mê£Kˆî£˜. ''Þõ«óî£¡ ªè£¡ø£˜'' â¡Á ñŸøõ˜èœ âPðˆî¬ó„ ²†®ù˜. ¹è›„«ê£ö¼‚«è£ MòŠ¹. 'Þõ˜ Cõù®ò£˜ Ü™ôõ£? ñŸø Ü®ò£˜èÀ‚° ã«îÂ‹ bƒ° ïì‰î£«ô ªð£Á‚è ñ£†ì£«ó! Þõ«ó ÞŠð® ªêŒî£˜ âQ™ ã«î£ º‚Aò è£óí‹ Þ¼‚è «õ‡´‹' âù è¼Fù£˜. â¡ù ïì‰î¶ âù Mõóñ£è‚ «è†ì£˜. îõÁ ªêŒî¶ ò£¬ù«ò âù àí˜‰î£˜. âPðˆî ï£òù£Kì‹, ''ò£¬ù«ò£´ «ð£K†´ àJ˜ H¬öˆb«ó! Ü¶ â¡ îõŠðò¡. ò£¬ùJ¡ H¬ö‚° ò£¬ù¬ò»‹ ð£è¡è¬÷»‹ ªè£¡ø¶ ñ†´‹ «ð£î£¶. Ü¶ â¡ ð†ìˆ¶ ò£¬ù â¡ðî£™ ï£Â‹ àJ˜ cƒè «õ‡´‹'' â¡Á î¡¬ù«ò ñ£Œˆ¶‚ ªè£œ÷ õ£œ æƒAù£˜. âPðˆî ï£òù£«ó£ ðîPM†ì£˜. ''cF õ¿õ£ ñ¡ù£! â¡ù£™ c Þøˆî™ Cõù®ò£˜ °Ÿø‹ Ý°«ñ'' âù‚ÃP ñ¡ùK¡ õ£¬÷Š H®ˆ¶ âPðˆî˜ î¡¬ù ñ£Œˆ¶‚ ªè£œ÷ ºò¡ø£˜. Ü¬îˆ î´ˆî ¹è›„ «ê£ö ï£òù£˜ âPðˆî ï£òù£˜ è£L™ M¿‰¶ ªî£¿î£˜. Ã®J¼‰«î£˜ Cõï£ñ‹ àF˜ˆ¶ ÜFêJˆîù˜. ÜŠ«ð£¶ õ£QL¼‰¶ °ó™ åLˆî¶... ''à‹ Þ¼õK¡ Cõ ð‚F„ CøŠ¬ð‚ è£†ì«õ ò£‹ ÞˆF¼M¬÷ò£ì™ Gè›ˆF«ù£‹!'' âPðˆî¼‹ ¹è›«ê£ö ï£òù£¼‹ Þ¡ù Hø¼‹ Þ¬øõ¬ù õíƒA G¡øù˜. Ü´ˆî GIì«ñ ò£¬ù àJ«ó£´ â¿‰¶ Ü¬ñFò£è G¡ø¶. ð£è¡èÀ‹ àJ«ó£´ â¿‰îù˜. ï²ƒAò Ì‚èœ ñô˜‰¶ Ì‚Ã¬ì‚°œ ¹°‰îù. Cõè£I Ý‡ìõ˜ ñô˜è¬÷ Þ¬øõ¡ º® «ê˜ˆî£˜.

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å¼ è¼ˆ¬î â´ˆ¶‚ ªè£œ. Ü‰î å¼ è¼ˆ¬î«ò àù¶ õ£›‚¬èò£‚°. Ü¬î«ò èù¾ è£‡. Ü‰î‚ è¼ˆ¬î å†®«ò õ£›‰¶ õ£. Í¬÷, î¬êèœ, ïó‹¹èœ à¡ àìL¡ åšªõ£¼ ð£èˆF½‹ Ü‰î å¼ è¼ˆ«î G¬ø‰F¼‚è†´‹.

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Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 35

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Þ™¬ô«ò! ¶òóñ£ù èì‰î è£ô‹ ïñ‚° å¡Á‹ ªêŒ¶MìŠ «ð£õF™¬ô. Ü¶ ñø‚èŠðì «õ‡®ò«î! ªîOõŸø âF˜è£ô‹ ïñ‚è£è‚ è£ˆF¼‚èŠ «ð£õF™¬ô. Ü¶ Ü¬ìòŠðì «õ‡®ò«î! Gè›è£ô‹ ñ†´«ñ G„êòñ£ù¶. Ü¶«õ ðò¡ð´ˆîŠðì «õ‡®ò¶. “âù¶ ió Þ¬÷ë˜è«÷! cƒèœ Ü¬ùõ¼‹ ñèˆî£ù è£Kòƒè¬÷„ ê£F‚èŠ Hø‰îõ˜èœ â¡ðF™ ï‹H‚¬è ªè£œÀƒèœ. æ! Þ¬÷ë˜è«÷! â¿‰¶ õ£¼ƒèœ! cƒèœ ªê‹ñPò£´èœ â¡ø ñò‚èˆ¬î àîPˆ

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AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

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ºîh†´ Þô£ð õK 40iîˆF™ Þ¼‰¶ 18iîñ£è °¬ø‚èŠ ð†´œ÷¶. ãŠHó™ ñ£î‹ 2008 ªî£ì‚è‹ ºîh†´ Þôð õKò£ù¶ (Capital Gains tax) Ýè‚ Ã®ò iîñ£ù40 ÞL¼‰¶ 18iîñ£è °¬ø‚èŠ ð†´œ÷¶. âù«õ i´ MŸð¬ùò£™ £100,000 Þô£ð‹ ªðŸP¼‰î å¼ ºîh†ì£÷˜ Ü‰î i†¬ì ãŠHó™ 2008 Ÿ° H¡ù˜ MŸð¬ù ªêŒî£™ £40,000 õK ªê½ˆ¶õîŸ° ðFô£è £18,000 õK ñ†´«ñ ªê½ˆî «õ‡´‹. âù«õ i†´ M¬ôèœ èì‰î 12 ñ£îƒèO™ 15iîñ£è °¬ø‰îF™ àƒèÀ‚° àƒè÷¶ i†´ ºîh†®™ ªðŠóõK 2009Þ™ i´ MŸð¬ù¬ò îõøM†ì£™ 15 i¶ñ£è Þô£ð‹ °¬øõ¬ìò «ð£A¡ø¶ âù G¬ù‚è «õ‡ì£‹. Þî¬ù Iè ²ôðñ£ù å¼ àî£óí‹ Íô‹ ð£˜Š«ð£‹. 40% TAX

40% TAX

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£255,000

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£200,000

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WWW.AAMBAL.CO.UK

April 2008‹ Ý‡´ ºî™ (Annual investment Allowance (AIA) â¡ø Ü®Šð¬ìJ™ åšªõ£¼ õ¼ìº‹ cƒèœ 50,000 õ¬ó i†®Ÿè£è ªêôM´‹ ðíˆ¬î àƒèœ õ£ì¬èJ™ Þ¼‰¶ èNˆ¶ I°Fò£è Þ¼‚°‹ Þô£ðˆFŸ«è õ¼ñ£ù õK ªê½ˆî «õ‡´‹.

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ºîh†®Ÿè£è õ£ƒAò i†¬ì MŸð¬ù ªêŒ»‹ ªð£¶ Üîù£™ A¬ì‚°‹ Þô£ðˆF™ ºî™ £9,600 Ÿ° õK Mô‚° (Tax Exempt) à‡´. i´ èíõ˜ Ü™ô¶ ñ¬ùMJ¡ ªðò˜èO™ (Joint Name) Þ¼‰î£™ Þ¼õ¼‹ £9,600 îQˆîQò£è õK Mô‚° (Tax Exempt) ªðøô£‹. (ªñ£ˆî‹ £19,200).

Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 37

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Þó‡´ Mîñ£ù õKèœ. ºîh†´ Ü®Šð¬ìJ™ Üî£õ¶ Buy to Let â¡ø Ü®Šð¬ìJ™ i´è¬÷ ºîh†ì£÷˜èœ õ£ƒAJ¼‰î£™ Üõ˜èœ Þó‡´ Mîñ£ù õKè¬÷ ªê½ˆî «õ‡´‹. 1. ºîh†´ Þô£ð õK (Capital Gains tax) 2. õ¼ñ£ù õK (Income tax) ºîh†´ õK i´è¬÷ MŸð¬ù ªêŒ»‹ ªð£¿¶ ñ†´«ñ ªê½ˆî «õ‡´‹ â¡ðî¬ù º¡ù˜ ð£˜ˆF¼‰«î£‹. Ü´ˆ¶ õ¼ñ£ù õK â¡ðî¬ùŠð£˜Š«ð£‹. cƒèœ àƒèœ i´è¬÷ õ£ì¬è‚° (Rent) ªè£´ˆF¼‰î£™ Þîù£™ A¬ì‚°‹ Þô£ðˆFŸ° åšªõ£¼ õ¼ìº‹ õ¼ñ£ù õK (Income Tax) ªê½ˆî «õ‡´‹. Þî¬ù W›õ¼‹ àî£óí‹ Íô‹ cƒèœ Üõî£Q‚èô£‹. Mðóƒèœ

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àƒèÀ‚° M¬ì ªè£´‚è£M†ì£™ cƒèœ Þ¬î å¼ ®vHÎ† «èê£è ªóLªè£‹ ®vHÎ† ªóªêÖê¡ «ê˜Mêv (Telecom dispute resolution service), æªó«ô£ (Otelo) Ü™ô¶ Aê£v (Cisas)

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I¡ù…ê™:

themoneydoctor@aambal.co.uk

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The Money Doctor Aambal, 508-509 Crownhouse, London NW10 7PN

AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

WWW.AAMBAL.CO.UK

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ºˆF¬ó õK

(Stamp Duty)

«èœM»‹ ðF½‹ àƒèœ ðíˆFŸ° å¼ ¬õˆFò˜... ¹Fò Mò£ð£ó‹ Ýó‹H‚è... «èœM: ï£¡ âù¶ ªê£‰î Mò£ð£óˆ¬î Ýó‹H‚è Þ¼‚A¡«ø¡. âšõ£Á Þî¬ù õK Þô£è£Mì‹ ÜPMŠð¶ â¡ð¬îŠ ðŸP êŸÁ Mðóñ£è ÃÁi˜è÷£? ðF™: cƒèœ àƒèœ Mò£ð£óˆ¬î Ýó‹Hˆ¶ Í¡Á ñ£îƒèÀ‚°œ Þî¬ùŠ ðŸP ÜPM‚è «õ‡´‹. Þó‡´ õ¬èò£ù MîƒèO™ Þî¬ù ªîKòŠð´ˆîô£‹. ºîô£õ¶ 08459 154515 â¡ø Þô‚èˆFŸ° ªî£¬ô«ðC Ü¬öŠH¡ Íô‹ Ü™ô¶ Þó‡ì£õî£è õK Þô£è£Mì‹ Þ¼‰¶ CWF1 â¡ø å¼ ðˆFóˆ¬î ªðŸÁ Üî¬ù ÌóíŠð´ˆ¶õî¡ Íô‹ àƒèÀ¬ìò Mò£ð£óˆ¬îŠ ðŸPò Mðóƒè¬÷ ÜPòŠ ðìˆîô£‹. àƒèÀ¬ìò º¿Šªðò˜, ºèõK, Hø‰î FèF, National Insurance Number

«ð£¡øõŸ¬ø õK Þô£è£MŸ° ªîKòŠð´ˆFò H¡ù˜ àƒèÀ‚° ðˆ¶ Þô‚èºœ÷ õK‚ °P¹‹ (10 Digit Unique Reference Number) õKŠ ðˆFóº‹ (Tax Return) ÜÂŠðŠð´‹. ÜFvìº‹ õK»‹

Lottery Winning - Tax aspect

«èœM: ï‡ð˜èœ ðô¼ì¡ «ê˜‰¶ «ô£†P ®‚è† (Lottery Ticket) åšªõ£¼ Aö¬ñ»‹ õ£ƒ°A¡«ø£‹. ÞF™ ªõŸPŠðí‹ A¬ìˆî£™ ÜîŸ° õK ãî£õ¶ ªê½ˆî «õ‡®ò G¬ô ãŸð´ñ£? ðF™: º‚Aòñ£è «õ¬ôˆî÷ƒèO™ ðô˜ ÞŠð®ò£è ï‡ð˜èÀì¡ «ê˜‰¶ Ã†ì£è (Syndicate Lottery) õ£ƒ°A¡ø£˜èœ. ÞŠð®ò£è WWW.AAMBAL.CO.UK

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Ã†ì£è ªêò™ð´‹ ªð£¿¶ àƒèÀ‚A¬ìJ™ å¼ â¿ˆFô£ù åŠð‰î‹ (Wtritten Agreement) è†ì£òñ£è Þ¼‚è«õ‡´‹. Üî£õ¶ Þ‰î åŠð‰îˆF™ âõ˜ «ô£†P ®‚è† õ£ƒ°¶, âšõ£Á ªõŸPðí‹ ðƒAìŠð´‹ «ð£¡ø Mìòƒèœ °PŠHìŠ ð†®¼‚è «õ‡´‹. Þšõ£Á åŠð‰î‹ Þ™ô£Mìì£™ âõ˜ Þ‰îŠ ðíˆ¬î ªðŸÁ ñŸøõ˜èÀ‚° ªè£´‚A¡ø£«ó£ Üõ˜ Þî¬ù (Gift) ï¡ªè£¬ì â¡ø Ü®Šð¬ìJ™ ªè£´ˆîî£è è¼îŠð†´ Inheritance Tax â¡ø Ü®Šð¬ìJ™ õK ªê½ˆ «õ‡® Þ¼‚°‹. è˜ŠHEŠ ªð‡èÀƒ°Kò ªè£´Šðù¾ (Maternity Pay) «èœM: âƒèœ Mò£ð£ó G¬ôòˆF™ èì‰î å¼ õ¼ìñ£è «õ¬ôªêŒ»‹ å¼ ªðŸ îŸªð£¿¶ è˜ŠHEò£è (Pregnant) Þ¼Šðî£™ ê†ìgFò£è âšõ÷¾ ï£œ æŒ¾ ñŸÁ‹ âšõ÷¾ ï£œ (Maternity Pay) ðí‹ ªê½ˆî «õ‡´‹ â¡Á îò¾ ªêŒ¶ ÃÁi˜è÷£? ðF™: ÞîŸ° Iè„ ²¼‚èñ£è ðF™ ªê£™õ¶ â¡ø£™ è˜ŠHEŠ ªð‡èÀ‚° 39 õ£óƒèÀ‚° Hóêõ è£ô áFò‹ (Maternity Pay) ªè£´‚èŠðì«õ‡´‹. ÞF™ ºî™ 6 õ£óƒèÀ‚° Üõ˜èÀ¬ìò êó£êK áFòˆF™ 90iîº‹, Ü´ˆî 33 õ£óƒèÀ‚° å¼ õ£óˆFŸ° £117.18 Ü™ô¶ 90iî (Þ‰î Þó‡®™ â¶ °¬øõ£ù«î£) ªè£´‚èŠðì «õ‡´‹. Þî¬ù ªè£´ŠðîŸ° º¡ù˜ «õ¬ô ªêŒðõKì‹ Þ¼‰¶ MATB1 â¡ø ðˆFóˆ¬î Ì˜ˆF ªêŒò «õ‡´‹.

«èœM: 300, 000 ªðÁñFò£ù å¼ i†¬ì ï£¡ õ£ƒAù£™ âšõ÷¾ ºˆ¬ó õK (Stamp Duty) ªê½ˆî «õ‡´‹? iì¬ì MŸð¬ù ªêŒ»‹ ªð£¿¶‹ ºˆF¬ó õK ªê½ˆî «õ‡´ñ£? ðF™: ºˆF¬ó õK i†¬ì õ£ƒ°‹ ªð£¿î ñ†´‹ î£¡ ªê½ˆî«õ‡´‹. i†¬ì MŸð¬ù ªêŒðõ˜ ºˆî¬ó õK ªê½ˆîˆ «î¬õJ™¬ô. W«ö àœ÷ Ü†ìõ¬íJ¡ ð® 300,000Ÿ° i´ õ£ƒAù£™ £9,000 (3iî) ºˆF¬ó õK ªê½ˆî «õ‡´‹. i†´M¬ô

Upto - £175,000 (02.09.2009 õ¬ó)

õK 0%

£175,000 - £250,000

£250,000 - £500,000

Over £500,000

ðƒ°„ê‰¬î (Stock Market) õK ªê½ˆî£ñ™ Þô£ð‹ ªðøô£‹? «èœM: ï£¡ âù¶ 2007/08‹ Ý‡®Ÿè£ù õKŠðˆFóˆ¬î (Tax Return) ÌóíŠð´ˆ¶‹ ªð£¿¶, ÜF™ âù‚° ðƒ°ê‰¬îò£™ A¬ìˆî 12,000 Þô£ðˆ¬î»‹ Ü‰îŠ ðˆFóˆF™ ÌóíŠð´ˆF õK ªê½ˆî «õ‡´‹ âù âù¶ C«ïAî¡ ÃPJ¼‰î£˜ ÞîŸ° õK ªê½ˆî£¶ îM˜‚è º®»ñ£? ðF™: ªð£¶õ£è ðô ºîh†ì£÷˜èœ «è†°‹ «èœMî£¡ Þ¶. â‰î º¬ø¬ò ð£Mˆ¶ cƒèœ ðƒ°è¬÷ õ£ƒA MŸð¬ù ªêŒb˜èœ â¡ðî¬ù ªð£Áˆ¶ˆ î£¡ õK è†´õî£! Þ™¬ôò£! â¡ð¶ G˜íJ‚èŠð´‹. ºîô£õ¶ º¬øò£ù ðƒ°„ ê£¡Pî¬ö (Share Certificate) º¬øŠð® õ£ƒAJ¼‰î£™ Þô£ðˆFŸ° õK ªê½ˆî«õ‡´‹. Þ¼ŠHÂ‹ ºî™ £9,200 Þô£ðˆFŸ° õK Þ™¬ô. Ýù£™ Þó‡ì£õ¶ º¬øò£ù ðóŠ¹ ð‰îò Mò£ð£ó º¬ø Íô‹ (Financial Spread Trading) ðƒ°è¬÷ õ£ƒA MŸð¬ù ªêŒF¼‰î£™ âšõ÷¾ ªî£¬è ðí‹ Þô£ð‹ Ü¬ì‰î£½‹ õK è†ìˆ «î¬õJ™¬ô.

Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 39

AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

WWW.AAMBAL.CO.UK

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Tips for improving your credit rating

àƒèÀ¬ìò Aø®Ÿ v«è£˜èœè¬÷ Yó£‚è Cô õNº¬øèœ ÒAø®Ÿ Cø…” â¡ø «ðK«ô«ò îñ¶ àŸðˆFŠªð£¼†è¬÷ ê‰¬îŠð´ˆFàœ÷ù. àî£óíñ£è ªê™HP„ê˜v GÁõùˆF¡ ”Aø®Ÿ Aø…” ªê£‚A«ô†¬ì °PŠHìô£‹. Þîù£™ Þ‰î„ ªê£‚A«ô†®¡ MŸð¬ù ñ£îƒèO™ ÜFèKˆ¶œ÷î£è Ü‰GÁõùƒèO¡ ê‰¬îŠð´ˆî™ G¹í˜èœ áìèƒèÀ‚° ÜOˆî ªêšMJ™ ªîKMˆ¶œ÷£˜èœ.

ƒ«è»‹, âŠ«ð£¶‹ â™«ô£˜ õ£J½‹ ÞŠªð£¶ Ü¬ê«ð£´‹ õ£˜ˆ¬î Aø®Ÿ Aø…. Þî¡ M¬÷¾ àôªèƒ°‹ àœ÷ IèŠªðKò Mò£ð£ó GÁõùƒèœ Ü¬ùˆ¶‹ îñ¶ õ˜ˆîè, ê‰¬îŠð´ˆî™ ðKí£ñˆ¬î ñ£ŸP Ü¬ñˆ¶õ¼Aø¶. ãŸèù«õ Üº™Šð´ˆîŠð†ì ê‰¬îŠð´ˆî™ àˆFè¬÷ e÷¬ñˆ¶‹ õ¼A¡øù. Cô GÁõùƒèœ ÜŠð£ì£... Ý¬÷ M´ ê£Iªòù èî¬õ Ü®ˆ¶ ê£ˆFM†´ îñ¶ Mò£ð£óˆ¬î æó‹ è†®„ ªê¡Áªè£‡®¼‚A¡øù. ÞõŸP½‹ ð£˜‚è MòŠ¹‹ M«ù£îº‹ î¼õù¾‹ à‡´. Cô õ˜ˆîè GÁõùƒèœ Þ¬îŠðŸP ÜPò£î«ð£«î£ Ü™ô¶ ð£FŠð¬ìò£î «ð£¶ Ãì î£ƒ‚èÀ‹ ð£Fˆ¶œ÷î£è å¼ ñ£òîˆ «î£Ÿøˆ¬î à¼õ£‚A ªï£‰¶ Ëô£A¡øù˜. Ýù£™, â¶ âŠð®ò£JÂ‹ Òè£ŸÁœ÷ «ð£«î ÉŸP‚ªè£œÓ â¡ø º¶ªñ£N‚Aíƒè HKˆî£Qò£M™ Þòƒ°‹ GÁõƒè÷£ù ªê™HP„ê˜v, A«ô£‚v «ð£¡ø GÁõùƒèœ

Ýè... Þ‰î Aø®Ÿ Cø…¬ê êKò£è ð£Mˆî£™ ªõŸP à‡´. âù«õ õ˜ˆîè˜è«÷ cƒèÀ‹ Þ‰î ÒAø®Ÿ Aø…” â¡ø õ£˜¬î¬ò «è†´ ðò‰¶Mì£ñ™, Þ‰î Aø®Ÿ Aø… è£ôˆ¬î àƒèœ Mò£ð£óˆFŸ° ãŸø àˆFè¬÷»‹, ¹Fò ê‰¬îŠð´ˆî™ MFº¬øè¬÷»‹ è‡ìP‰¶ àƒè÷¶ Mò£ð£óˆ¬î ªð¼‚A‚ªè£œÀƒèœ... «õ‡´‹ â¡ø£™ cƒèÀ‹ îóñ£ù ÒAø…” Hó£‡´è¬÷ à¼õ£‚èô£‹.!!! àƒèœ ñùF™ à¼õ£°‹ ¹Fò õ˜ˆîè‹ ê£˜‰î îQˆ¶õñ£ù C‰î¬ùè¬÷ î°‰î º¬øJ™ Üº™Šð´ˆ¶õî¡ Íô‹ cƒèÀ‹ ªî£NôFð˜è÷£èô£‹..

ôè‹ º¿õ¶‹ ðíi‚èˆF™ i›‰ ¶œ÷¶. ÞƒAô£‰F™ ðíŠðKñ£Ÿøƒèœ, èì¡èœ à†ðì ðí‹ ªî£ì˜ð£ù ªð£¼†èœ Ü™ô¶ «ê¬õè¬÷ ªðÁõ î£ù£½‹ îQ ïð¼¬ìò Aø®Ÿ v«è£˜èœ ðKYL‚èŠð†´ Üîù®Šð¬ìJ«ô«ò õöƒ°î™ ï¬ìªðÁA¡ø¶. ÞîŸè¬ñò àƒèÀ¬ìò Aø®Ÿ v«è£˜è¬÷ êKŠð´ˆ¶õ¶‹ Ü¬î i›„Cò¬ì ò£ñ™ ð£¶è£Šð¶‹ Þ¡Pò¬ñò£îî£°‹. ÜîŸ° Þ«î£ cƒèœ ªêŒò‚Ã®ò Cô º‚Aò õNº¬ø Ý«ô£ê¬ùèœ:

1. ðí‹ Ü™ô¶ èì¡ ê£˜‰î MìòƒèO™ èõùñ£è Þ¼ˆî™ «õ‡´‹.

cƒèœ âŠ«ð£¶‹ àƒèœ Aø®Ÿ¬ð™ (Credit file) â¡Á Ü¬ö‚èŠ´‹ àƒèœ ªî£ì˜ð£è ðF¾ ªêŒòŠð†´œ÷ Ýõíˆ¬î Ü®‚è® ðKYL‚è «õ‡´‹. àî£óíñ£è cƒèœ õƒA‚ èì¬ù«ò£ Ü™ô¶ èì¡Ü†¬ìèÀ‚°Kò ÜÂñFŠ ðˆFóˆ¬î«ò£ åŠð¬ì‚è º¡ Þî¬ù ðKYLŠð¶ Cø‰î¶. «ñôFèñ£è, cƒèœ Aø®Ÿ ¬ð¬ô ðKYLŠðî¡ Íô‹, ò£˜ ò£˜ àƒèœ ªî£ì˜ð£ù ðíMìòƒè¬÷ Ü™ô¶ èì¡ ªî£ì˜ð£ù Mìòƒè¬÷ Ýó£ŒAø£˜èœ â¡ðî¬ù»‹ àƒèÀ¬ìò ºèõKñ£Áð®¡ Ü¶ ªî£ì˜‰¶ «ðíŠ ð´A¡øî£? «ð£¡ø CÁ Mìòƒè¬÷»‹ ÜP‰¶ ðô C‚è™è¬÷ b˜ˆ¶‚ªè£œ÷ Þ‰î å¿ƒ°º¬øò£ù Aø®Ÿ ¬ð™ ðK«ê£î¬ù àî¾‹. 2. àìù® H¬öF¼ˆîƒèœ. Aø®Ÿ Ýõíˆ¬îŠ ðKYô¬ù ªêŒ»‹ «ð£¶ àƒèÀì¡ ªî£ì˜H™ô£î,

WWW.AAMBAL.CO.UK

Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 41

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Ü™ô¶ èõùfùñ£è MìŠðì H¬öè¬÷ ðKYô¬ù ªêŒ¶ àìÂ‚°ì¡ H¬öè¬÷ F¼ˆ¶ƒèœ. àƒèœ ÝõíˆF™ H¬öJ¼Šð¬î ÜP‰î£™ Ü¬î Üô†Cò‹ ªêŒò£¶ àì«ù F¼ˆ¶è. 3. àƒè¬÷ õ£‚è£÷˜ ð†®òL™ Þ¬íˆî™. õ£‚è£è÷˜ ð†®ò½‹ (Electroral Register) àƒèœ õFMìˆ¬îŠ HóFQFˆ¶õŠð´ˆ¶õî£™ cƒèÀ‹ å¼ õ£‚è÷ó£è àƒè¬÷ Þ¬íˆ¶‚ªè£œÀƒèœ. Þ¬î àƒèœ ïèóê¬ð Ü½õôèˆF™ (Council) ðF¾ªêŒ¶ ªè£œ÷ô£‹. 4. Þ¼†®™ Þ¼‰¶ e÷™. àƒèœ èì¡è¬÷»‹, èì¡Ü†¬ì èì¡èÀ‚°Kò è†ìíƒè¬÷»‹ (IQñ‹) ªî£ì˜‰¶, îõø£¶ ªê½ˆFõ£¼ƒèœ. «ñŸªè£‡´ àƒè÷£™ ðíˆ¬î e÷è†ìº®ò£î Ü™ô¶ ãî£õ¶ å¼ è£óíˆî£™ àƒè÷£™ ðíˆ¬î e÷„ ªê½ˆîº®ò£M†ì£™ Þ¶ ªî£ì˜ð£ù Mìòƒè¬÷»‹ Ý«ô£ê¬ùè¬÷»‹ àƒèœ õƒAJì«ñ£ Ü™ô¶ ïêù™ ªì†¬ô¡, ªè£¡CÎñ˜ Aø®Ÿ è¾¡CLƒ «êMêv «ð£¡ø GÁõùƒè¬÷ Üµ°õî¡ Íô‹ àƒèœ ðí‹ ªî£ì˜ð£ù GôõóˆFŸ° Þ¼†ì®Š¹„ ªêŒò£ñ™ ²Íèñ£ù å¼ õNº¬ø¬òŠªðøô£‹. 4. àƒèœ ðíŠ¬ðJ¡ ²¬ñ¬ò‚ °¬øˆî™. ÜFèñ£ù õ˜èOì‹, õ†®Šðíˆî£™ èì¡²¬ñ ÜFèñ£õ¬î Mì èì¡Ü†¬ìè÷£™ ðíŠ¬ðJ¡ ²¬ñ ÜFèñ£‚èŠð´õî£™ cƒèœ àð«ò£A‚è£î èì¡ Ü†¬ìè¬÷ àì¡ GÁˆ¶ƒèœ. 5. àƒèœ ªì†è¬÷ (èì¡ªî£¬è) àì¡ ªê½ˆ¶ƒèœ. «è£† ü†xªñ¡† àœ÷ ªì†è¬÷ àì¡ ªê½ˆ¶ƒèœ. cƒèœ àƒèœ ü†xªñ¡† ªî£¬è¬ò å¼ ñ£îè£ôˆFÂœ ªê½ˆ¶õî¡ Íô‹ àƒèÀ¬ìò Aø®Ÿ ¬ðL™ ðFõ£°‹ àƒèœ ðí‚ªè£´‚è™ õ£ƒè™ ªî£ì˜ð£ù H¬öò£ù ðF¾ c‚èŠð´‹. Þ™ô£M®™ Þ¶ ªî£ì˜ð£ù ðF¾ ²ñ£˜ ÝÁõ¼ì

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1. àƒèÀ¬ìò H¬öè¬÷F¼ˆ¶õî£è ðô îQò£˜ GÁõùƒèœ àƒè¬÷ Üµè‚ Ã´‹. cƒèœ ÜŠð® Üµè«õ£ Ü™ô¶ Üµ°‹ GÁõùƒè¬÷«ò£ àð«ò£A‚è«õ‡ì£‹. Aø®Ÿ ¬ð™ ªî£ì˜ð£ù àƒèœ H¬öè¬÷ cƒè«÷£ Ü™ô¶ Y.Ý˜. ã GÁõùˆFì«ñ£ Þôõêñ£è F¼ˆF‚ªè£œ÷ô£‹. 2. èì¡è¬÷»‹, èì¡ Ü†¬ìè¬÷Š ªðÁõîŸ° º¡ âŠ«ð£¶‹ ê‰¬îJ¡ îóñ£ù, °¬ø‰î Ü÷¾ ã.d.Ý˜ (APR) âùŠð´‹ õ†®ˆªî£¬è¬ò ã¬ùò õƒAè«÷£´ åŠH†ì H¡ù«ó M‡íŠH»ƒèœ. ðô õƒAÀ‹, Í¡ø£‰îó GÁõùƒèÀ‹ î¼‹ M¬óõ£ù èì¡è¬÷ îM˜ˆ¶‚ªè£œÀƒèœ.

àƒèÀ‚° àîõ‚Ã®ò GÁõùƒèO¡ ªî£ì˜¹èœ: Callcredit Consumer Services Team 0870 060 1414 www.callcredit.co.uk Equifax Credit File Advice Centre 0870 010 0583 www.equifax.co.uk Experian Consumer Help Service 0844 481 8000 www.experian.co.uk Consumer Credit Counselling Services 0800 138 1111 www.cccs.co.uk National Debt line 0808 808 4000 www.nationaldebtline.co.uk

àƒèœ M÷‹ðóƒèÀ‚°... advertising@aambal.co.uk 0845 643 5882

AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

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Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 43

ith w h c n u r c dit e r c e h t t a How to be

y a d i l o h t x e n your W

ith talk of budget slashing, belt tightening, penny pinching and pocket squeezing what better time to look at the opportunities the recession might present to grab a great holiday deal? While the economic news is bleak, getting away on a great value holiday or break might be just the ticket.

A change is as good as a rest, they say, so take a break from the downturn and turn the credit crunch to your advantage 44

The recent rapid changes in the economic environment may even present some new and exciting holiday possibilities in fresh and spectacular destinations. A change is as good as a rest, they say, so take a break from the downturn and turn the credit crunch to your advantage.

Timing your move You may be one of those people who enjoy the anticipation, the looking forward to the holiday you’ve booked well in advance. Hold your fire - tempting as the current batch of hot deals may be, if you

AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

are prepared to leave it to the last minute you could pick up a real bargain. Despite the fighting talk coming from the travel industry that it’s ‘business as (almost) usual’ – with a recently released Abta survey suggesting that more than two in three Britons plan to spend the same amount or more on holidays this year as in 2008, it’s very much a buyer’s market.

Free holidays? If the holiday companies were so confident perhaps then Flybe, Thomson and First Choice, wouldn’t find it necessary to promote offers such as those that ensure customers who lose their job can still take their booked holiday - for free, (extensive terms and conditions apply). They are clearly keen for customers to commit as early as possible, putting out the message that they are

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your next holiday... slashing capacity later in the year, and therefore the best deals are here and now. The fear exists that over capacity in the package holiday market later in the year will lead to profit meltdown.

Last minute pays If you’re prepared to hold your nerve you may be able to land a bargain. Simon Calder, travel editor for the Independent newspaper says, "I'm doing what a lot of people are doing. Not booking anything, waiting and seeing what happens. They can only slash capacity on package holidays." Sarah Miller, editor of Conde Nast Traveller is of a similar opinion, "All the intelligence is that people aren't booking anything at the moment." Figures other than Abta’s tend to support the commonly held belief that economic circumstances have conspired to make the industry particularly competitive at the moment and most likely even more competitive as capacity remains unsold.

Go it alone That The Office of National Statistics report more than a million more Britons stayed at home last summer (representing an 8 decline in foreign holidays on 2007) and that the number of people searching for flights in the week after Christmas fell 42 per cent this year compared to the same period last year, according to Hitwise, is likely to present some fiercely competitive travel offers. Even Eurostar who posted record passenger numbers in 2008 is offering 200,000 seats at its rock bottom return price of £59. Another cost saving option is to resist the lure or the package. Lowcostbeds. com, which sells hotels and apartments online is reporting big sales increases in the first week of 2009 as many travellers look to source bargain flights and accommodation separately this year.

Choose your destination wisely Though currency in many of our favourite holiday destinations is much

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more expensive than we’ve been used to - Against the Euro the pound has fallen by more than a third since July. The Post Office now offering exchange rates of less than 1 to 1, with the pound exchanging at only USD1.40 on the UK High Street, down from almost $2 in the summer - that isn’t the case everywhere. Just because the value of the pound is through the floor against most currencies including the Euro, the Dollar and other major currencies, doesn’t mean that there aren’t great deals to be had. Choose your destination wisely and use the credit crunch to your advantage.

Money talks Those looking to extract as much value from their hard earned cash as possible, this year might want to consider South Africa as a hot value holiday destination. Sterling is in fact almost 10 stronger against the Rand compared with its five-year average

to the pound in January 2008 to 187 in Jan 2009. Such is the value now offered by Iceland that it has even been selected by the Association of British Travel Agents in its annual “hotspots” list for the year ahead. Unsurprisingly no Eurozone countries were chosen. Mexico, where the pound is also strong against the peso, was another “hotspot” and well worth close consideration.

Think local, act local For those considering international travel to be too much of a stretch you might want to consider the beauty, splendour and value of a holiday in the UK. Fuel prices are well down on last summer and there are plenty of accommodation options and deals with the cost of hotel rooms falling nationally. In light of sterling’s

The Turkish lira is at a similar rate against sterling as it was a year ago and there are plenty of other destinations where you can also avoid that sinking feeling when exchanging cash. The Norwegian krone once offering very poor value against the pound is now evenly placed making Norway a much more attractive and affordable destination for UK visitors. Bulgaria, Romania, Slovakia and parts of the Czech Republic such as Bohemia are also offering good value, not necessarily because of the currency value but because of the low cost of living there. Competitive advantages that other once cheap European destinations such as Malta, Cyprus are starting to lose.

Bargain breaks The only real ‘steal’ out there is Iceland, home to Bjork, Sigur Ros and recent financial disasters. Despite it’s previous reputation for being extremely expensive – the original £5 pint of beer - the pound is now a third stronger than last year, the kronur having plunged against the pound from an average of about 126 kronur

weakness and the economic uncertainty it’s quite possible that last years ‘staying in the UK for a holiday is the new going abroad’ fashion will gather in strength. With millions staying in the UK and a reported 30 increase in UK camping holidays though 2008 perhaps the credit crunch has shown us the future? There could be fewer more beautiful islands to explore, though admittedly the weather could be a little more reliable. Low cost, low carbon footprint, high value and you’re guaranteed a 1 to 1 exchange rate.

Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 45

Place to visit with your family

Ymost expensive cities in the world to ou might think London is one of the

visit, but there are ways of making your pound go further and spending time in the capital on a budget. "Aambal" have chosen some of the best ways to spend your time in London without breaking the bank.

Travel The first thing to think about is how you’re going to get around town. Paying for each individual journey soon mounts up, so the most cash-friendly way to travel around the city is to buy an Oyster Card. Pre-pay Oyster cards

are charged with an amount of credit, and you can make as many journeys as you like in a 24 hour period (from 4:30am-4:30am) and you will always be charged less than the price of an equivalent Day Travelcard or One Day Bus Pass. The aim is to ensure that Oyster always charges the lowest fare. Where it doesn’t, you can get a refund. You can either add a weekly, monthly or longer period Travelcard or bus pass to your Oyster card and combine with pre-pay credit. Various discounts and free travel are available for children, students, the elderly and disabled travellers.

free to the public and offer a wonderful array of fascinating exhibitions. If you’re interested in science and technology then the Science Museum in South Kensington is a wonderful building full of interactive displays. The museum holds regular events and actively encourages its visitors to touch some of the exhibits.

The nearby halls of the Natural History Museum are filled with every type of example of the natural world. From the colossal skeleton of a Brontosaurus that dominates the Victorian splendour of the entrance hall, to the displays of the tiniest creatures from far-flung corners of the globe; the museum is a trip around the world in a day. There are plenty of other museums to choose from and nearly all of them won’t make any kind of dent into your budget.

films (try Southall in West London or the East End where there are large Indian and Pakistani communities). The major cinemas in the West End can be expensive, particularly if you go to an evening showing. But if you’re prepared to use your Oyster card or London Pass to travel a little further out of the centre of town then the outlying cinemas offer discount ticket prices for afternoon showings. Check a listings magazine for further details.

Events London has something happening every day, from the Changing of the Guard at Buckingham Palace to once a year events like the London Marathon. A good guidebook is a worthwhile investment as it will detail when these events take place and the best place to see them from.

Museums

London has plenty of cinemas, showing every type of film from the latest Hollywood blockbuster to Arthouse cinemas specializing in independent films. There are also some cinemas in the outer reaches of the capital that concentrate on showing Bollywood

"Aambal" have chosen some of the best ways to spend your time in London without breaking the bank.

Once you’ve sorted out your travel arrangements, there are plenty of places to visit in London that are cheap to get into or, in the best cases, absolutely free!

Although they did try to impose entrance fees a few years ago, most of the major London museums are now

Cinema

Science Museum's most popular hands-on Light Table

AAMBAL - ISSUE 1  FEBRUARY - MARCH 2009

One of the best-known events is the world-famous Notting Hill Carnival, which takes place on the last weekend

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Black Arrow R4 rocket and X3 flight spare satellite Science Museum, 2000

of August. Filled with colour and music from around the world, the Notting Hill Carnival is second only to Rio’s carnival in atmosphere, excitement and sheer exuberance and, of course, it’s absolutely free to watch. Be prepared for crowds and aching feet from the irresistible temptation to join in with the dancing.

Eating Restaurants in London can be expensive, but by hunting around there are bargains to be had. If you choose to eat in the West End, then be prepared to pay West End prices. But by moving slightly out of the bright lights of Soho and Leicester Square and exploring the winding backstreets of W1, there are eateries that cater to more restricted budgets.

Shows Theatre tickets are notoriously expensive, but you can pick up a bargain if you are prepared to be flexible about which show you go to see and at what time. There's a ‘tkts’ booth in Leicester Square that sells theatre tickets at half price (plus a service charge). It is open 10am to 7pm Monday to Friday, 12pm to 3pm WWW.AAMBAL.CO.UK

Sunday. Simply pop along to the booth to see what they have available for that day.

London Pass The London Pass has been going strong for 10 years, offering visitors to the city free access to countless attractions for a reduced price. A one-day adult pass is £39, or £46 with travel, which gives you unlimited travel throughout the capital on all London Underground, Buses, Trams, Docklands Light Rail and Over-ground Trains within zones 1 – 6. The pass gives you free entry to some of the best attractions in the city, including the Tower of London, London Zoo and Hampton Court Palace. If you’re prepared to do a little forward planning and shop around for bargains, a trip to London doesn’t have to empty your wallet. It can be a wonderful opportunity to see one of the most vibrant cities in the world on a very small budget, giving you more cash to spend on the occasional treat while you’re there.

Place to visit with your family:

Science Museum The Science Museum, London is open 7 days a week from 10.00 to 18.00

Entry is free Advice for visitors: Children must be supervised by an adult at all times. The Science Museum is a non-smoking venue By Underground South Kensington on the District, Circle and Piccadilly lines. A pedestrian subway runs directly from the ticket barrier at South Kensington station to the Main Entrance of the Museum. More information available: http://www.sciencemuseum.org.uk

Ý‹ð™ - Þî› 1  ñ£C - ðƒ°Q 2009 47

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